Motorcycle Insurance Articles
Why Motorcycle Insurance Companies Use Their Own Asessors For Claims
2011-08-31
There are many different important reasons that motorcycle insurance companies use their own assessors for claims. These reasons are meant to protect them, you and the other motorcycle drivers within their circuit. A motorcycle insurance assessor is specially trained in accurately assessing claims specific to motorcycle damage and accidents. A motorcycle claim is a multifaceted process, and those with legitimate claims will actually benefit from the knowledge and experience they bring to the situation.
The benefit to the claimant is that working with a specialist with their motorcycle claim will likely speed up the process. The benefit to the insurance provider is not only efficiency with a speedier process, but also accuracy with the claim. Further still, other insured motorcycle riders with the same insurance will benefit with the extra protection that limits false claims.
False claims seriously drive the cost of insurance. A motorcycle insurance assessor works as a filter to catch these false claims. Preventing false claims protects everyone involved, except of course the one making the bogus claim. Additionally, there are many areas that need focus that affect the claim that do not always necessarily come from purposely planned inaccurate information.
Other contributing factors that are just as important for motorcycle owners to know as it is for the insurance providers are the types of things that can conflict with an otherwise legal claim. An example of this would be a non-disclosed moderation. There is zero insurance tolerance in this area. Any motorcycle owner that is accidentally ignorant about modification rules will end up paying a very expensive price. A bike that has been modified without insurance authorization will end up voiding important insurance protection.
The most obvious reason that insurance companies use their own motorcycle insurance assessor is to protect their liability. Drivers are not the only parties involved in false claims. Another very common source for bilking unnecessary money out of insurance providers comes from repair shops. This is an unfortunately easy thing to do if not properly guarded against. This is because people are far less prone to question charges that they personally are not responsible for. Therefore, the motorcycle insurance assessor steps in to mediate the situation.
Motorcycle accidents are not common in most people's lives; however, they are for those who specialize in handling the claims. This can be a great relief for those facing a motorcycle claim. Additionally, the insurance provider knows that the proper information will be obtained to resolve the issue.
The bottom line is the insurance provider is the one with money on the line, therefore wants to ensure their money is protected the best way possible.